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AI brief of an SEC Form 8-K · Flagstar Bank (FLG)

Flagstar Bank narrows Q3 net loss to $0.11 per share from $0.19 in Q2 2025

Positive Impact 3 of 5 earnings Written later

Flagstar Bank, N.A. (NYSE: FLG) reported a third-quarter 2025 net loss attributable to common stockholders of $45 million, or $0.11 per diluted share, compared with $78 million, or $0.19 per share, in the second quarter. Total revenues rose 5% from the prior quarter to $519 million, and the company said it completed its holding company reorganization on October 17, 2025, but revenue was down 17% from the third quarter of 2024.

Key points

  • Q3 2025 net loss attributable to common stockholders: $45 million, or $0.11 per diluted share, versus $289 million, or $0.79 per share, in Q3 2024
  • Adjusted Q3 2025 net loss attributable to common stockholders: $31 million, or $0.07 per diluted share, excluding a $21 million fair value gain and $17 million of merger-related expenses among other items
  • Net interest margin rose 10 basis points from Q2 2025 to 1.91%; total deposits fell to $69.2 billion at September 30, 2025
  • Total loans and leases held for investment were $62.7 billion, down $1.5 billion from the prior quarter; criticized and classified loans fell $2.8 billion, or 19%, since December 31, 2024

The filing

CompanyFlagstar Bank (FLG)
Form8-K, current report
Filed with the SECOct 24, 2025, 6:02 AM ET
Accession number0000910073-25-000172

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:01 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 24, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.